From first call
to funds landing,
in four steps.
One relationship manager guides your application the whole way through — you're never passed between departments, and you're never left wondering what happens next.
No obligation quote · Decisions from 48 hours · One point of contact throughout
From completed application to first indicative terms, for straightforward cases with documentation in order.
Points of contactOne named relationship manager owns your case from enquiry through to drawdown.
Four steps, one relationship manager.
Jump to a step for the detail, or book a consultation and we'll walk you through it directly.
Tell us your goals
A short call or online form covering what you need to fund, timeline and current trading position.
We match your panel
Your relationship manager shortlists lenders from our panel of 60+ who fit your sector and structure.
Compare tailored offers
We present indicative terms side by side in plain English, with the trade-offs of each clearly set out.
Funds released
Once terms are accepted, our team manages drawdown so funds land where and when your business needs them.
Tell us your goals.
A short call or online form covering what you need to fund, your timeline, and your current trading position. There's no obligation and no impact on your credit file at this stage — we're just getting a clear picture of your business so we shortlist the right lenders, not a generic list.
- What you're financing and roughly how much
- Your timeline — is this urgent, or planning ahead?
- A brief picture of trading history and turnover
We match your panel.
Your relationship manager shortlists lenders from our panel of 60+ who genuinely fit your sector, structure and appetite for risk — not just whichever lender pays us the most commission. This is where being independent actually matters: we have no quota to fill with any single lender.
- Lenders shortlisted against your sector and trading history
- Product type confirmed or refined based on what you've told us
- You'll hear from your named relationship manager directly, not a call centre
Compare tailored offers.
We present indicative terms side by side in plain English — rates, fees, repayment structure and term length — with the trade-offs of each clearly set out. No jargon, no fine print sprung on you later. You choose the offer that fits; we're not incentivised to steer you toward any particular one.
- Indicative terms compared side by side, in writing
- Trade-offs explained — rate versus flexibility, speed versus cost
- No obligation to proceed with any offer presented
Funds released.
Once terms are accepted, our team manages the underwriting, legal and drawdown process on your behalf, chasing the lender so you don't have to. Funds land where and when your business needs them — and your relationship manager stays your point of contact throughout, not just up to the point you sign.
- We manage underwriting and legal steps with the lender directly
- Regular updates so you're never chasing us for a status check
- Your relationship manager remains your contact after drawdown too
What you'll typically need to hand.
Having these ready speeds up step 1 considerably — though we can start the conversation without all of it.
— Business basics
Company registration details, trading history, and a brief description of what you're looking to finance.
— Financial position
Recent management accounts or filed accounts, and the last 3–6 months of business bank statements.
— Identification
Photo ID and proof of address for company directors or partners, as required for anti-money-laundering checks.
Answers before you ask.
— Is there a fee to get a quote?
No. The initial consultation and indicative terms are free and carry no obligation to proceed.
— My bank already said no. Can you still help?
Often, yes. A single bank's decision reflects that bank's policy, not necessarily your business's risk. Our panel of 60+ lenders means a decline from one is rarely the final word.
— How fast can funds actually land?
It depends on the product — a merchant cash advance can complete in days, while a commercial mortgage or bridging loan involves legal steps that take longer. Your relationship manager gives you a realistic timeline upfront.
Ready to start step one?
Tell us what you're financing and we'll come back with a shortlist of realistic options — usually within one working day.